After Hurricane Matthew's flooding, NC families can't go home again - Insurance News | InsuranceNewsNet

InsuranceNewsNet — Your Industry. One Source.™

Sign in
  • Subscribe
  • About
  • Advertise
  • Contact
Home Now reading Newswires
Topics
    • Advisor News
    • Annuity Index
    • Annuity News
    • Companies
    • Earnings
    • Fiduciary
    • From the Field: Expert Insights
    • Health/Employee Benefits
    • Insurance & Financial Fraud
    • INN Magazine
    • Insiders Only
    • Life Insurance News
    • Newswires
    • Property and Casualty
    • Regulation News
    • Sponsored Articles
    • Washington Wire
    • Videos
    • ———
    • About
    • Meet our Editorial Staff
    • Advertise
    • Contact
    • Newsletters
  • Exclusives
  • NewsWires
  • Magazine
  • Newsletters
Sign in or register to be an INNsider.
  • AdvisorNews
  • Annuity News
  • Companies
  • Earnings
  • Fiduciary
  • Health/Employee Benefits
  • Insurance & Financial Fraud
  • INN Exclusives
  • INN Magazine
  • Insurtech
  • Life Insurance News
  • Newswires
  • Property and Casualty
  • Regulation News
  • Sponsored Articles
  • Video
  • Washington Wire
  • Life Insurance
  • Annuities
  • Advisor
  • Health/Benefits
  • Property & Casualty
  • Insurtech
  • About
  • Advertise
  • Contact
  • Editorial Staff

Get Social

  • Facebook
  • X
  • LinkedIn
Newswires
Newswires RSS Get our newsletter
Order Prints
February 4, 2017 Newswires
Share
Share
Post
Email

After Hurricane Matthew’s flooding, NC families can’t go home again

News & Observer (Raleigh, NC)

Feb. 04--In 50 or so counties that were power-washed by the waters of Hurricane Matthew, as many as 2,000 families with North Carolina addresses are living in the state of limbo.

"We can't live in our house, and we can't sell it," said Latisha Beatty, who with her husband, Corey, owns a home in Bladen County that was swamped by the Black River after the October storm. "It's been flooded twice. Who would buy it?"

The home first went underwater during flooding from Hurricane Floyd in 1999 and was repaired before the Beattys bought it 11 years ago. They shared it with their three children and had enlarged it to accommodate three additional family members.

All eight survived the flood, and they managed to snatch a few belongings from the home as the water came across the driveway and rose into the yard. Eventually, water submerged two vehicles that were left behind. It climbed more than three feet into the house.

When the water receded a week later and the Beattys went to see what was left, furniture and appliances were upended, floors were warped and mold was growing up the walls.

In the months since, volunteers have helped clean out the house, rip up the ruined floors and subfloors and cut down the molded drywall. The Beattys had flood insurance that would pay to repair some of the damage. But they would have to borrow the rest, and even if they could afford the additional monthly payments, they can't move their middle son back into the house on N.C. 210 between Ivanhoe and Atkinson.

Kaleek Beatty, 11, had a kidney transplant in December and his doctors at Duke Health say living in a house where mold has festered would put him at risk of an infection or illness that could take his life.

"Absolutely not," said Dr. Eileen Chambers, who has cared for Kaleek since shortly after a congenital kidney defect was discovered in his infancy.

Chambers said the house never could be made safe for a child whose immune system must be suppressed to keep his body from rejecting a donor organ.

Repairing and moving back into a flood-prone home might not present a major health risk for most of those displaced by the storm. But many who own homes that were flooded by Hurricane Matthew and previous storms now hope the government will help them elevate their houses beyond the water's grasp, or just buy their homes, level them, turn the land into green space and free the families to start anew on higher ground.

They would do that through the Federal Emergency Management Agency's Hazard Mitigation Grant Program, designed to reduce or eliminate losses from future disasters. Homeowners enter the program through town and county governments that choose to participate. Those local officials work with the state office of Emergency Management, which distributes federal funds for projects FEMA approves. FEMA provides most of the money for the work, with state or local governments contributing a portion.

North Carolina began using hazard mitigation on a large scale after Hurricane Floyd and became a national leader in the program, updating flood maps and hydrological data and overlaying satellite maps to help identify problem areas. Since Floyd, local governments have used hazard mitigation funds to buy 3,422 properties and elevate 124, according to the state. Homes acquired through the program must be razed and the land cleared. Afterward, the properties can never be used for permanent development again.

Homes that are elevated with hazard mitigation grants must be raised above the 100-year flood level.

Cities and counties that saw massive flooding from Hurricane Matthew are still gathering information, but Nick Burk, section manager for hazard mitigation grants at the N.C. Division of Emergency Management, said indications are that Matthew's devastation will launch another huge wave of buyouts and elevations.

"Without a doubt this will be the largest-scale mitigation program since Hurricane Floyd," Burk said. "We're certainly looking at 1,000 to 2,000 structures, based on early estimates."

A long process

Lenoir County and the city of Kinston were pioneers in hazard mitigation. They entered the program after Hurricane Fran in 1996, and vastly expanded the work after Hurricane Floyd, when the Neuse River hit record flood stage and submerged wide swaths of residential development. At early public meetings where the program was explained, said Roger Dail, the county's emergency management director, people were suspicious, though all participation is voluntary and homeowners can stop the process at any moment right up to closing.

"After Fran, people were very reluctant," Dail said. Most thought they would never see such high water again, and they didn't want to give up land where their parents or grandparents had settled or where they had laid down roots themselves. Some feared they wouldn't be adequately compensated, though the program is supposed to pay participants a pre-disaster fair-market price.

"Then three years later, Floyd comes along, and it was like a mad rush, people wanting to sign up," Dail said. That time, Kinston and Lenoir County bought out more than 600 flood-prone homes.

Still, some homeowners stayed put, and were flooded again by Hurricane Matthew along with some people whose homes had stayed dry during previous storms.

So far, Dail said, 230 homeowners across the county have asked to be included in post-Matthew hazard mitigation.

Because the total amount of grant money is limited, not all who apply will get help. Local governments launch the process by sending a letter to the state asking to participate. Leaders hold local meetings where homeowners can learn how the program works, and do other outreach to gauge interest. Homeowners also can contact their local emergency management or planning office for help applying.

Local officials decide which mitigation choices to offer: acquisition, elevation, or a relatively new one, reconstruction. Not every town or county is expected to offer reconstruction, which is used when a house is too badly damaged to repair but there is no feasible way to relocate the household. The original house is torn down and rebuilt on the same footprint, but elevated above the flood line.

FEMA's share of the cost of demolition and rebuild is capped at $150,000 per household.

The state will help local governments determine which properties are eligible for hazard mitigation funding and of those, which should take priority. The state then submits the proposals to FEMA, which approves or denies them.

Properties have to be surveyed, titles researched, contracts let.

No quick fix

It's not a quick solution. Mitigation is typically a 1- to 2-year process, and it sometimes takes longer to close the books on a disaster.

"We're trying to expedite the process as much as we can," said Burk, in the state office, adding that after Hurricane Irene in 2011, some acquisitions were wrapped up in 13 months.

In the meantime, some families are able to make their homes livable while they work through the hazard mitigation program. Some stay with family members or in hotels.

From a town or county's perspective, a drawback to acquiring a home through mitigation is that it becomes government property and no longer generates tax revenue. Local officials hope displaced families will remain in the community and purchase or build new homes to help offset the loss.

Latisha and Cory Beatty hope to stay in the area around Ivanhoe, just not so close to the Black River that a flood could wipe them out again. For now, they're renting a trailer about a third the size of their former home. They continue to make payments on a house they'll never be able to live in. That money could be going to pay for Kaleek's medical expenses.

Latisha Beatty is out of work at the moment, at home with her 5-year-old and Kaleek, who must be home-schooled until his immune system is strong enough for him to rejoin his classmates. Corey works at a chemical plant.

The family's expenses have been mounting, and the Beattys have a GoFundMe account to help pay their share of Kaleek's doctor and medication costs. His drugs are expected to cost about $10,000 every three months.

C.R. "Tom" Collins, Pender County's emergency management director, understands why the Beattys and others don't want to go back to houses they know could flood again.

"One person told me, 'For sure, I'm not going back. I elevated after Hurricane Floyd and I'm not going through this again. I want to move out. I'm done.'"

Martha Quillin: 919-829-8989, @MarthaQuillin

___

(c)2017 The News & Observer (Raleigh, N.C.)

Visit The News & Observer (Raleigh, N.C.) at www.newsobserver.com

Distributed by Tribune Content Agency, LLC.

Older

NJ Obamacare insurer Health Republic liquidated

Newer

More than 2,000 seek disaster aid

Advisor News

  • IRS CEO FRANK J. BISIGNANO VISITS OHIO TO TOUT WORKING FAMILIES TAX CUTS PROVISIONS ON NO TAX ON CAR LOAN INTEREST, NO TAX ON OVERTIME, ENHANCED DEDUCTION FOR SENIOR CITIZENS
  • The hidden flaw in insurance AI adoption for advisors and carriers
  • Rising healthcare costs impact 401(k) accounts
  • What advisors think about pooled employer plans, alternative investments
  • AI, stablecoins and private market expansion may reshape financial services by 2030
More Advisor News

Annuity News

  • MetLife Inc. (NYSE: MET) Climbs to New 52-Week High
  • The Standard and Pacific Guardian Life Announce Entry into Agreement to Transition Individual Annuities Business
  • AuguStar Retirement launches StarStream Variable Annuity
  • Prismic Life Announces Completion of Oversubscribed Capital Raise
  • Guaranteed income streams help preserve assets later in retirement
More Annuity News

Health/Employee Benefits News

  • Reed: Can these assets be saved?
  • PacificSource to end Montana operations
  • PacificSource to end Montana insurance operations
  • Reduced health insurance payments for hospital births had a bigger impact on sterilization rates than correcting an injustice
  • Ashley Mann:
More Health/Employee Benefits News

Life Insurance News

  • Kansas official running for governor received $300K in donations before key decision
  • Investigators say C.R. man's life insurance claims for 3 children were fraudulent
  • Shocking death of Kyle Busch renews debate over IUL plan
  • WoodmenLife launches final expense life insurance offering
  • The Standard and Pacific Guardian Life Announce Entry into Agreement to Transition Individual Annuities Business
More Life Insurance News

- Presented By -

NEWS INSIDE

  • Companies
  • Earnings
  • Economic News
  • INN Magazine
  • Insurtech News
  • Newswires Feed
  • Regulation News
  • Washington Wire
  • Videos

FEATURED OFFERS

Why Blend in When You Can Make a Splash?
Pacific Life’s registered index-linked annuity offers what many love about RILAs—plus more!

Life moves fast. Your BGA should, too.
Stay ahead with Modern Life's AI-powered tech and expert support.

Bring a Real FIA Case. Leave Ready to Close.
A practical working session for agents who want a clearer, repeatable sales process.

Discipline Over Headline Rates
Discover a disciplined strategy built for consistency, transparency, and long-term value.

You Could Be Losing Up to 20% of Your Commissions
GreenWave helps you find, fix, and prevent commission errors.

Press Releases

  • JP Insurance Group Launches Commercial Property & Casualty Division; Appoints Joe Webster as Managing Director
  • Sequent Planning Recognized on USA TODAY’s Best Financial Advisory Firms 2026 List
  • Highland Capital Brokerage Acquires Premier Financial, Inc.
  • ePIC Services Company Joins wealth.com on Featured Panel at PEAK Brokerage Services’ SPARK! Event, Signaling a Shift in How Advisors Deliver Estate and Legacy Planning
  • Hexure Offers Real-Time Case Status Visibility and Enhanced Post-Issue Servicing in FireLight Through Expanded DTCC Partnership
More Press Releases > Add Your Press Release >

How to Write For InsuranceNewsNet

Find out how you can submit content for publishing on our website.
View Guidelines

Topics

  • Advisor News
  • Annuity Index
  • Annuity News
  • Companies
  • Earnings
  • Fiduciary
  • From the Field: Expert Insights
  • Health/Employee Benefits
  • Insurance & Financial Fraud
  • INN Magazine
  • Insiders Only
  • Life Insurance News
  • Newswires
  • Property and Casualty
  • Regulation News
  • Sponsored Articles
  • Washington Wire
  • Videos
  • ———
  • About
  • Meet our Editorial Staff
  • Advertise
  • Contact
  • Newsletters

Top Sections

  • AdvisorNews
  • Annuity News
  • Health/Employee Benefits News
  • InsuranceNewsNet Magazine
  • Life Insurance News
  • Property and Casualty News
  • Washington Wire

Our Company

  • About
  • Advertise
  • Contact
  • Meet our Editorial Staff
  • Magazine Subscription
  • Write for INN

Sign up for our FREE e-Newsletter!

Get breaking news, exclusive stories, and money- making insights straight into your inbox.

select Newsletter Options
Facebook Linkedin Twitter
© 2026 InsuranceNewsNet.com, Inc. All rights reserved.
  • Terms & Conditions
  • Privacy Policy
  • InsuranceNewsNet Magazine

Sign in with your Insider Pro Account

Not registered? Become an Insider Pro.
Insurance News | InsuranceNewsNet